Interactive tool
Protection Gap Analyzer
Map a customer’s current situation to the exposures they’re carrying, and the products that would close each gap.
The deal
The assumption
Real depreciation varies by model, segment, condition, mileage, and market conditions, and it is steepest early rather than even across the term. This model applies one smooth annual rate, so treat the output as a shape to reason about rather than a forecast. Move the rate and watch how much the answer changes.
Estimated result
Largest estimated gap
$2,715
around month 13
Gap at delivery
$2,000
Estimated to break even
Month 40
While the gap is above zero, a total loss would leave this borrower owing roughly that amount on a vehicle they no longer have. That is the exposure, and it is a property of the deal structure rather than of the customer. See negative equity and loan-to-value.
| Month | Loan balance | Est. value | Est. gap |
|---|---|---|---|
| 0 | $32,000 | $30,000 | $2,000 |
| 6 | $29,847 | $27,331 | $2,516 |
| 12 | $27,612 | $24,900 | $2,712 |
| 24 | $22,883 | $20,667 | $2,216 |
| 36 | $17,787 | $17,154 | $633 |
| 48 | $12,295 | $14,237 | None |
| 60 | $6,377 | $11,817 | None |
| 72 | $0 | $9,808 | None |
Educational estimate only. It is not a quote, an appraisal, a settlement figure, or financial advice, and it does not reflect any particular contract. Actual values, payoffs, and settlements will differ.
Who it’s for
Finance managers and buyers who want a needs-first view of exposure.
What it does
Map a customer’s current situation to the exposures they’re carrying, and the products that would close each gap.
What you’ll get
A gap map: each identified exposure paired with the product that addresses it.
What this shows, and what it does not
This compares an amortizing loan balance against an estimated vehicle value, month by month, to show whether a deal leaves the borrower owing more than the vehicle is worth. Where the estimated gap is above zero, a total loss would leave a balance owing on a vehicle the customer no longer has.
The loan side is arithmetic and is as accurate as the figures entered. The value side is an estimate built on one assumption you control, so the output is a shape to reason about rather than a forecast. It is not a quote, an appraisal, or a settlement figure.
Why the assumption is on screen
Real depreciation varies by model, segment, condition, mileage, and market conditions, and it is steepest early rather than even across the term. Any single rate is a simplification. Putting the control in front of you rather than burying a default is the honest way to present a number that depends on it so heavily.
The useful exercise is to move the rate and watch what happens. If a modest change flips the answer, the conclusion was never firm, and that itself is worth knowing before a product conversation.
Using it in a customer conversation
Exposure is a property of the deal structure, not of the customer. A large down payment on a short term may produce no gap at all, and saying so plainly is what makes the rest of a presentation credible. A long term with negative equity rolled in from a previous loan is the opposite case, and the figures make it visible without anyone having to characterise it.
Show the arithmetic and let the customer decide. A customer who declines because the exposure genuinely is not there is a better outcome than one who buys and cancels.
Learn the topic behind this tool
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Elite FI Partners can apply this analysis to your actual finance office once you’ve seen how it works.
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